According to Document No.261,as long as the account is recognized by the public security organ and included in the list of "accounts involved" of the new type of illegal and criminal transaction risk event management platform of telecommunication network, banks and payment institutions will suspend all business of the account. Up to now, the Anti-Fraud Center of Hebei Province, which is participated by six banks of industry, agriculture, China, construction, communications and postal savings, has stopped paying and frozen 5892 accounts involved. Last year, Guangfa Bank accumulated 2,455 abnormal accounts such as blocking forgery and false certificates.
In 20 16, the central bank issued the Notice on Strengthening the Management of Payment and Settlement to Prevent New Crimes in Telecommunication Networks (hereinafter referred to as "Document 26 1") to combat telecommunication fraud. Document No.26 1 explicitly requires that from 20 17 1, banks and payment institutions will suspend all business of this account as long as it is recognized by the public security organs at or above the municipal level and included in the "account involved" list of the new illegal and criminal transaction risk event management platform of the telecommunication network.
At present, it has been more than a month since this point. How is the implementation of the bank? In a recent interview, the reporter found that many banks have implemented this requirement in advance and achieved certain results. For example, in Hebei, as of last year 12, the anti-fraud center of Hebei Province 19 occupied by six banks of industry, agriculture, China, construction, communications and postal services stopped payment urgently, and 5892 accounts involved were frozen. The relevant person in charge of Guangfa Bank also told the reporter that last year, the bank's business outlets intercepted 2455 abnormal accounts such as fake certificates and identified 954 credit card frauds, which made remarkable achievements in preventing telecom fraud.
Implement the requirements in advance
The reporter noted that in addition to measures such as primary account control and 24-hour ATM transfer, Circular 26 1 also supervised the "accounts involved".
According to the document No.26 1, banks and payment institutions will suspend all business of the "accounts involved" list. If the identity of the "account involved" is not verified within 3 days, all bank accounts under the account holder's name will suspend non-counter business, and all business will be suspended in the payment account.
Relevant regulations also clarify that if it is clear through identity verification that the account is opened under a false name of others, a statement of consent to cancel the account must be presented before the account involved can be cancelled. If it is confirmed that the account is for sale or lease, or if it is proved that an individual or unit has opened an account by using someone else's identity, the off-counter business of its bank account and all payment account business will be suspended within 5 years, and no new account will be opened for it within 3 years. At the same time, the information of these offenders will also be announced to the public.
Some insiders reminded that in the future, when a bank handles account opening business, once someone is found to be using someone else's identity to open an account, it will report the case directly to the public security organ and hand over the fraudulent identity documents to the public security organ.
It is understood that according to the characteristics of telecom fraud, Guangfa Bank has set up targeted monitoring rules from multiple dimensions such as account opening, customer key information setting, fund transaction, and account usage habits, so as to intercept suspicious activities beforehand, ensure compliance audit during the event, and monitor account anomalies afterwards.
According to the relevant person in charge of Guangfa Bank, at present, the bank has completed the stock control of illegal bank accounts and payment accounts, providing customers with a more "green" card environment.
Synchronous follow-up of bank reform
The relevant person in charge of a large bank told the reporter that in order to control telecommunication network fraud from the source and ensure the property safety of the broad masses of the people, the bank has started to implement relevant work from the aspects of comprehensively strengthening the protection of customer information, strictly implementing the real-name account management, and vigorously carrying out public publicity.
Not only that, some banks have also undergone deeper transformation. The reporter learned from Guangfa Bank that the bank plans to complete 20 renovation projects in document No.261in three batches, and the first two batches have been successfully completed.
It is reported that the first batch of renovation was completed by the end of 20 16 1 1. According to the relevant person in charge of Guangfa Bank, at this stage, Guangfa Bank has completed the first-level account management and control, and realized the systematic inspection and control of various account opening channels and methods; The ATM transfer has been received within 24 hours, and the cancellation process through telephone customer service has been completed; In the main customer transfer operation channel, add the function option of delayed arrival; The whole jurisdiction strengthens the monitoring of account opening operations.
At present, the second batch of transformation has been successfully completed. The reporter learned that from 2065438+2007 65438+ 10/day, Guangfa Bank officially started cash withdrawal and transfer transactions in different places, exempting USW-related fees; Complete the relevant control and verification functions of the accounts involved, including all accounts and trading accounts under the name. Realize the functions of fake account cancellation, counter opening of second-class account and transaction limit control of second-class account; Begin to clean up the stock account and telephone number.
The relevant person in charge also introduced that for the third batch of transformation, Guangfa Bank plans to complete the transformation of payment messages from 2065438 to March 2007, so as to ensure the complete transformation of the whole system.
Property security protection has been upgraded.
With the gradual implementation of document 26 1 in most banks, the effectiveness of preventing telecom fraud began to appear. For example, in less than two months, Hebei Anti-Fraud Center has recovered nearly 40 million yuan in economic losses for the masses. According to the statistics of Guangfa Bank, last year, the bank discouraged customers with abnormal behaviors from transferring money to strangers in 33 cases, determined intermediary agents to handle cards, assisted the police in arresting criminals, forged cards for fraud and other 32 cases, effectively protecting customers' rights and interests.
"By analyzing the current fraud cases, we found that many telecom fraud funds were involved or eventually transferred to suspicious accounts. Document 26 1 just focuses on the crux of telecom fraud, and its introduction will effectively crack down on telecom fraud. " The security expert of Guangfa Bank said.
In Shaanxi, Agricultural Bank of China takes outlets as its position and conducts on-site publicity in the form of micro-salons. Popularize the knowledge of anti-fraud and safe card use to the masses, remind customers to protect their privacy, don't trust strangers' phone calls or text messages, and be alert to telecom fraud traps. Some banks in Jinan push information through WeChat official account, and actively publicize the knowledge of preventing telecommunication network fraud.
In order to protect customers' property, Guangfa Bank also provides more secure account protection. It is understood that Guangfa Bank not only supports customers to specify safe mobile phone numbers, set daily trading limits and flexibly adjust them as needed, and apply for key orders to prevent others from operating their accounts, but also provides rigorous abnormal account behavior detection and real-time communication with public security organs to protect accounts from theft, fraud and criminal suspects. If the customer doesn't know the counterparty's situation, Guangfa Bank can check it on his behalf.